GB2514780A - Methods and apparatus for performing local transactions - Google Patents

Methods and apparatus for performing local transactions Download PDF

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Publication number
GB2514780A
GB2514780A GB1309880.1A GB201309880A GB2514780A GB 2514780 A GB2514780 A GB 2514780A GB 201309880 A GB201309880 A GB 201309880A GB 2514780 A GB2514780 A GB 2514780A
Authority
GB
United Kingdom
Prior art keywords
computing device
transaction
account
transfer
connection
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
GB1309880.1A
Other languages
English (en)
Other versions
GB201309880D0 (en
Inventor
Dave Roberts
Axel Emile Jean Charles Cateland
Patrik Smets
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Mastercard International Inc
Original Assignee
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Priority to GB1309880.1A priority Critical patent/GB2514780A/en
Publication of GB201309880D0 publication Critical patent/GB201309880D0/en
Priority to US14/293,752 priority patent/US20140358796A1/en
Priority to BR112015030351A priority patent/BR112015030351A8/pt
Priority to CA2914042A priority patent/CA2914042C/en
Priority to EP14737159.5A priority patent/EP3005264A1/en
Priority to CN201480040850.2A priority patent/CN105593886A/zh
Priority to PCT/EP2014/061497 priority patent/WO2014195320A1/en
Publication of GB2514780A publication Critical patent/GB2514780A/en
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q2220/00—Business processing using cryptography
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y04—INFORMATION OR COMMUNICATION TECHNOLOGIES HAVING AN IMPACT ON OTHER TECHNOLOGY AREAS
    • Y04S—SYSTEMS INTEGRATING TECHNOLOGIES RELATED TO POWER NETWORK OPERATION, COMMUNICATION OR INFORMATION TECHNOLOGIES FOR IMPROVING THE ELECTRICAL POWER GENERATION, TRANSMISSION, DISTRIBUTION, MANAGEMENT OR USAGE, i.e. SMART GRIDS
    • Y04S40/00—Systems for electrical power generation, transmission, distribution or end-user application management characterised by the use of communication or information technologies, or communication or information technology specific aspects supporting them
    • Y04S40/20—Information technology specific aspects, e.g. CAD, simulation, modelling, system security
GB1309880.1A 2013-06-03 2013-06-03 Methods and apparatus for performing local transactions Withdrawn GB2514780A (en)

Priority Applications (7)

Application Number Priority Date Filing Date Title
GB1309880.1A GB2514780A (en) 2013-06-03 2013-06-03 Methods and apparatus for performing local transactions
US14/293,752 US20140358796A1 (en) 2013-06-03 2014-06-02 Methods and Apparatus for Performing Local Transactions
BR112015030351A BR112015030351A8 (pt) 2013-06-03 2014-06-03 métodos e dispositivo para realização de transações locais
CA2914042A CA2914042C (en) 2013-06-03 2014-06-03 Methods and apparatus for performing local transactions
EP14737159.5A EP3005264A1 (en) 2013-06-03 2014-06-03 Methods and apparatus for performing local transactions
CN201480040850.2A CN105593886A (zh) 2013-06-03 2014-06-03 用于执行本地交易的方法和设备
PCT/EP2014/061497 WO2014195320A1 (en) 2013-06-03 2014-06-03 Methods and apparatus for performing local transactions

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB1309880.1A GB2514780A (en) 2013-06-03 2013-06-03 Methods and apparatus for performing local transactions

Publications (2)

Publication Number Publication Date
GB201309880D0 GB201309880D0 (en) 2013-07-17
GB2514780A true GB2514780A (en) 2014-12-10

Family

ID=48805661

Family Applications (1)

Application Number Title Priority Date Filing Date
GB1309880.1A Withdrawn GB2514780A (en) 2013-06-03 2013-06-03 Methods and apparatus for performing local transactions

Country Status (7)

Country Link
US (1) US20140358796A1 (zh)
EP (1) EP3005264A1 (zh)
CN (1) CN105593886A (zh)
BR (1) BR112015030351A8 (zh)
CA (1) CA2914042C (zh)
GB (1) GB2514780A (zh)
WO (1) WO2014195320A1 (zh)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10872336B2 (en) 2017-10-13 2020-12-22 Intensity Analytics Corporation System and method for independent user effort-based validation
US11580002B2 (en) 2018-08-17 2023-02-14 Intensity Analytics Corporation User effort detection

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GB201105765D0 (en) 2011-04-05 2011-05-18 Visa Europe Ltd Payment system
US10515368B1 (en) 2013-10-01 2019-12-24 Wells Fargo Bank, N.A. Interbank account verification and funds transfer system and method
US9922322B2 (en) * 2013-12-19 2018-03-20 Visa International Service Association Cloud-based transactions with magnetic secure transmission
CA2931093A1 (en) 2013-12-19 2015-06-25 Visa International Service Association Cloud-based transactions methods and systems
CN106465112A (zh) 2014-05-21 2017-02-22 维萨国际服务协会 离线认证
US20170118328A1 (en) * 2014-07-15 2017-04-27 Sony Corporation Information processing device, state control device, information processing method, state control method, and program
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
CA2958267A1 (en) * 2014-10-09 2016-04-14 Visa International Service Association System and method for management of payee information
US11068866B1 (en) 2015-02-17 2021-07-20 Wells Fargo Bank, N.A. Real-time interbank transactions systems and methods
US11120436B2 (en) * 2015-07-17 2021-09-14 Mastercard International Incorporated Authentication system and method for server-based payments
AU2017295842A1 (en) 2016-07-11 2018-11-01 Visa International Service Association Encryption key exchange process using access device
US11361172B2 (en) 2019-11-15 2022-06-14 Clover Network, Llc Shared controller for system with multiple NFC readers
WO2023272332A1 (de) * 2021-07-02 2023-01-05 Vipaso Gmbh Verfahren zur initiierung und autorisierung elektronischer zahlungen
WO2023191915A1 (en) * 2022-03-29 2023-10-05 Visa International Service Association In-person peer-to-peer transfer using tap

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US20100082481A1 (en) * 2008-09-30 2010-04-01 Apple Inc. Peer-to-peer financial transaction devices and methods
WO2010039337A2 (en) * 2008-09-30 2010-04-08 Apple Inc. Peer-to-peer financial transaction devices and methods
GB2494436A (en) * 2011-09-08 2013-03-13 Royal Bank Scotland Plc Wireless payment using blind identifier

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US8667285B2 (en) * 2007-05-31 2014-03-04 Vasco Data Security, Inc. Remote authentication and transaction signatures
DE602007012538D1 (de) * 2007-07-27 2011-03-31 Ntt Docomo Inc Verfahren und Vorrichtung zur Durchführung delegierter Transaktionen
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US20100082481A1 (en) * 2008-09-30 2010-04-01 Apple Inc. Peer-to-peer financial transaction devices and methods
WO2010039337A2 (en) * 2008-09-30 2010-04-08 Apple Inc. Peer-to-peer financial transaction devices and methods
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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10872336B2 (en) 2017-10-13 2020-12-22 Intensity Analytics Corporation System and method for independent user effort-based validation
US10891616B2 (en) 2017-10-13 2021-01-12 Intensity Analytics Corporation System and method for effort-based user authentication
US11176553B2 (en) * 2017-10-13 2021-11-16 Intensity Analytics Corporation Method and system providing peer effort-based validation
US11580002B2 (en) 2018-08-17 2023-02-14 Intensity Analytics Corporation User effort detection

Also Published As

Publication number Publication date
EP3005264A1 (en) 2016-04-13
GB201309880D0 (en) 2013-07-17
BR112015030351A8 (pt) 2019-12-24
CA2914042C (en) 2018-10-09
CA2914042A1 (en) 2014-12-11
US20140358796A1 (en) 2014-12-04
BR112015030351A2 (pt) 2017-07-25
CN105593886A (zh) 2016-05-18
WO2014195320A1 (en) 2014-12-11

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Legal Events

Date Code Title Description
WAP Application withdrawn, taken to be withdrawn or refused ** after publication under section 16(1)